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<img src="/rcs/citigpa/storage/public/Canada/citi-mississauga.jpg" alt="Canada.jpg" width="300" height="225"> &nbsp;
Citi Commercial Bank puts 200 years of experience to work for midsized, globally oriented companies by delivering actionable insights and ideas, comprehensive banking solutions and a truly global network.&nbsp;
Learn more about <a href="https://www.citigroup.com/global/businesses/banking/commercial-bank?pk_campaign=canada&amp;pk_source=country_page" target="_blank" rel="noopener" data-link-source="tiny">Commercial Bank</a> at Citi or <a href="https://www.citigroup.com/global/businesses/banking/commercial-bank/contact-us?pk_campaign=canada&amp;pk_source=country_page" target="_blank" rel="noopener" data-link-source="tiny">contact us</a>.&nbsp;

Citi Commercial Bank in Canada

First National City Bank of Canada opens in Montreal and Toronto 

Opening of Calgary office to focus on oil and gas clients

Sale of consumer branches to  Canada Trust

Opening of new Consumer Group Centres in London,ON and Mississauga

Divestiture of Canadian Mastercard portfolio ----- Closure of Canadian retail bank

Technology Development Centre established in Mississauga (Toronto)

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With roots in Canada dating back to 1919...

Citi is one of the country’s largest and longest-serving foreign banks. With offices in Vancouver, Calgary, Montreal, Toronto and Mississauga, Citi's key strategic focus in Canada is to serve clients through Citi Banking, Capital Markets and Advisory; Citi Commercial Bank; Citi Markets; Citi Securities Services; Citi Treasury and Trade Solutions; Citi Private Bank and Citi Cards Canada.

Citi Canada is committed to treating all people in a way that allows them to maintain their dignity and independence. We believe in integration and equal opportunity. We are committed to meeting the needs of people with disabilities in a timely manner, and will do so by preventing and removing barriers to accessibility and meeting accessibility requirements of the&nbsp;Accessible Canada Act (ACA), Accessible Canada Regulations, Accessibility for Ontarians with Disabilities Act and the Integrated Accessibility Standards Regulation.
Our <a href="/rcs/citigpa/storage/public/Canada/Citi-Canada-Accessibility-Plan-2023.pdf" target="_blank" rel="noopener" data-link-source="tiny">Citi Canada Accessibility Plan</a> and <a href="/rcs/citigpa/storage/public/Canada/Citi-Canada-Accessibility-Progress-Report_2024_FINAL_ENG.pdf" target="_blank" rel="noopener" data-link-source="tiny">Citi Canada Accessibility Plan Progress Report</a> outline the actions that Citi Canada will put or has put in place to improve opportunities for people with disabilities
Learn more about our&nbsp;<a href="/rcs/citigpa/storage/public/Canada/CITICANADA-WEBSITE-AODA-CUSTOMER-SERVICE-POLICY-January-2024-ENG.pdf" target="_blank" rel="noopener" data-link-source="tiny">Accessible Customer Service Policy: Providing Goods and Services to People with Disabilities</a>.
<h2>Feedback Process</h2>
We are constantly looking for ways to improve. We welcome all feedback, including feedback provided anonymously, regarding the manner in which we are implementing our Accessibility Plan or regarding barriers encountered by our employees or other persons that deal with Citi Canada. To provide feedback, please refer to the General section on the first page of the Citi Canada Accessibility Plan for details on how to forward your comments and suggestions.
<h2>Accessible Formats and Communication Supports</h2>
Citi Canada is committed to providing information and communications in an accessible manner to people with disabilities at a cost that is no more than the regular cost charged to other persons. An accessible format or communication is a method of presenting information in a specific format in order to remove potential barriers to accessing and understanding information. Citi Canada understands that people with disabilities may require methods other than standard print to access information and are committed to providing accessible information and communication supports to our customers. Citi Canada offers, large text, Braille, audio format, and electronic format that is compatible with adaptive technology that is intended to assist persons with disabilities. To request an accessible format document, please refer to the General section on the first page of the Citi Canada Accessibility Plan for contact details of the individual who can assist you with your request.

Accessibility

<h2>CITIBANK CANADA</h2>
<a href="https://www.cdic.ca/depositors/list-of-members/" target="_blank" rel="noopener" data-link-source="tiny"><img style="display: block; margin-left: auto; margin-right: auto;" src="/rcs/v1/media/citigpa/akpublic/storage/retrieveMediaFile/65fbec6d519e1e1718328f27.png" alt="logo_cdic.png/" width="100"></a>
Deposit Product List The following instruments and/or products are deposits eligible for deposit insurance from the Canada Deposit Insurance Corporation, subject always to maximum coverage limitations as outlined in their brochure "<a href="https://www.cdic.ca/wp-content/uploads/cdic-abbreviated-brochure-en.pdf?ieNocache=824" target="_blank" rel="noopener" data-link-source="tiny">Protecting Your Deposits</a>" and provided they are payable in Canada:
<table style="border-collapse: collapse; width: 100%; height: 276px;" border="1"><caption>&nbsp;</caption>
<tbody>
<tr style="height: 36px;">
<th style="width: 24.6887%; text-align: center; height: 36px; background-color: rgb(236, 240, 241);" scope="row">Chequing/ Savings/ Other Accounts</th>
<th style="width: 24.6887%; text-align: center; height: 36px; background-color: rgb(236, 240, 241);" scope="row">Outstanding Payment Items</th>
<th style="width: 24.6887%; text-align: center; height: 36px; background-color: rgb(236, 240, 241);" scope="row">Term Deposits</th>
<th style="width: 24.6887%; text-align: center; height: 36px; background-color: rgb(236, 240, 241);" scope="rowgroup">Deposits Not Directly Available to Customers</th>
</tr>
<tr style="height: 240px;">
<td style="width: 24.6887%; text-align: center; height: 240px;">
Wholesale Current Accounts
Canadian Dollar Preferred Investment Account
United States Dollar Preferred Investment Account
United States Dollar Savings Account
Other Foreign Currency Account
</td>
<td style="width: 24.6887%; text-align: center; height: 240px;">
Bank Drafts
Certified Cheques
Unclaimed Cheques&nbsp;
</td>
<td style="width: 24.6887%; text-align: center; height: 240px;">
Term Deposits
Time Deposits
Wholesale Term Deposits
</td>
<td style="width: 24.6887%; text-align: center; height: 240px;">
Suspense Accounts
Items in Transit
</td>
</tr>
</tbody>
</table>
 Trade Name List Citibank Canada operates under the following trade names: Citi, Citi Canada, Citi Private Bank, CPB.
**For further information, please contact CDIC at 1-800-461-2342**
CITIBANK N.A., CANADIAN BRANCH
NOTICE
Deposits with Citibank, N.A., Canadian branch are not insured by the Canada Deposit Insurance Corporation

Canada Deposit Insurance Corporation

<h2>THE HOME DEPOT CONSUMER CREDIT CARD</h2>
To login to your account <a href="https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=CACN_HOMEDEPOT&amp;cmp=W~B~Z~M~9~8~ZZZZ~BA~HC~ZZ#signon" target="_blank" rel="noopener" data-link-source="tiny">click here</a>.
Contact 1-800-747-3787 TTY: We accept 711 or other Relay Service
Convenient for large and small projects alike, The Home Depot&reg; Consumer Credit Card is an ideal addition to any toolbox. Open an account today and enjoy No Interest If Paid in Full Within 6 months* on any purchase of $299 or more (including taxes) when you use your Home Depot&reg; Consumer Credit Card. Payments required. No Annual Fees.
Fast application and access to instant credit for qualified applicants
<ul>
<li>No annual fees</li>
<li>Special promotions offered during the year</li>
<li>Online account management</li>
<li>365 Day In-Store Returns on your The Home Depot Consumer Credit Card purchases. Refer to homedepot.ca/returns for Terms and Conditions.</li>
</ul>
For more information visit <a href="http://www.homedepot.ca/content/credit-centre" target="_blank" rel="noopener" data-link-source="tiny">The Home Depot Credit Centre</a>.
<table style="border-collapse: collapse; width: 99.9895%;" border="1"><colgroup><col style="width: 99.8878%;"></colgroup>
<tbody>
<tr>
<td>
*NO INTEREST/NO APR IF PAID IN FULL WITHIN 6 MONTHS on any purchase of $299 or more (including taxes) when you use your Home Depot&reg; Consumer Credit Card. Payments required. No annual fees.
Interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement.
On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot Canada locations outside of the Province of Quebec. Offer not available to Quebec residents; if your account was opened in Quebec and you now reside in another province, please refer to the below information applicable to Quebec residents and to your Consumer Cardholder Agreement for the terms applicable to you. Not valid in combination with any other offer.
&copy; 2024 Home Depot International, Inc. All rights reserved. &reg; Registered trademark of Home Depot International, Inc. Used under license.
</td>
</tr>
</tbody>
</table>
(For Quebec residents)
<table style="border-collapse: collapse; width: 99.9895%;" border="1"><colgroup><col style="width: 99.8878%;"></colgroup>
<tbody>
<tr>
<td>
*NO INTEREST/NO CREDIT RATE IF PAID IN FULL WITHIN 6 MONTHS on any purchase of $299 or more (including taxes) when you use your Home Depot&reg; Consumer Credit Card. Payments required. No annual fees.
*Credit charges on your promotional purchases will accrue from the date of purchase and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase is paid in full by the plan expiration date.
If not, interest will be charged at a Credit Rate of 21.50%^ per annum in accordance with the Consumer Cardholder Agreement. During the promotional period, each minimum monthly payment is equal to 5%^^ of Purchases or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your Account Statement.
For Debt to which a Regular Financing Plan applies (as those terms are defined in the Consumer Cardholder Agreement), each minimum monthly payment is equal to 5% of total unpaid Purchases plus related interest and any past due amounts, or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement.
The billing period covered by each Account Statement will be approximately 28 to 31 days. A grace period of 25 days applies to non-qualifying purchases when posted to the Account. There are no annual membership or renewal fees and the retailer does not charge any plan administration fees.
Examples of borrowing costs at the standard credit rate of 21.50% per annum (assuming a Regular Financing Plan balance owing during a 30-day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges). All amounts (rounded to the nearest cent) are as follows:
<table style="border-collapse: collapse; width: 100.065%;" border="1"><colgroup><col style="width: 19.9549%;"><col style="width: 19.9549%;"><col style="width: 19.9549%;"><col style="width: 19.9549%;"><col style="width: 19.9549%;"></colgroup>
<tbody>
<tr>
<td>If your average daily balance is:</td>
<td>$100</td>
<td>$800</td>
<td>$1,400</td>
<td>$2,000</td>
</tr>
<tr>
<td>Your monthly credit charge at an annual credit rate of 21.50% will be:&nbsp;</td>
<td>$1.79</td>
<td>$14.33</td>
<td>$25.08</td>
<td>$35.83</td>
</tr>
<tr>
<td>Your monthly credit charge at an annual credit rate of 23.25% will be:</td>
<td>$1.94</td>
<td>$15.50</td>
<td>$27.13</td>
<td>$38.75</td>
</tr>
</tbody>
</table>
On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot locations in the Province of Quebec only. Not valid in combination with any other offer.
^If your Account was opened prior to March 15, 2020, interest will be charged at a Credit Rate of 23.25% per annum in accordance with your Consumer Cardholder Agreement.
^^If your Account was opened prior to August 1, 2019, the minimum monthly percentage used to calculate the minimum payment is equal to 4.5% and will increase to 5% on August 1, 2025.
&copy; 2024 Home Depot International, Inc. All rights reserved. &reg; Registered trademark of Home Depot International, Inc. Used under license.
</td>
</tr>
</tbody>
</table>
<h2>THE HOME DEPOT COMMERCIAL REVOLVING CARD</h2>
To login to your account <a href="https://www.retailservicescommercial.citi.com/USCRSF/CMLSVC/index.html?siteId=CACR_HOMEDEPOT&amp;cmp=W~B~Z~M~9~8~ZZZZ~BA~HC~ZZ#sec/signon" target="_blank" rel="noopener" data-link-source="tiny">click here</a>.
Contact 1-800-668-5336 TTY: We accept 711 or other Relay Service
If you would like some payment flexibility, sign up for the Home Depot&reg; Commercial Revolving Card. This card is ideal for small-to-medium businesses that want the option of making minimum monthly payments.
<ul>
<li>Ability to sign up to Pro Xtra and get more rewards and benefits**</li>
<li>365 Day In-Store Returns on your The Home Depot commercial card purchases. Refer to homedepot.ca/returns for terms and conditions.</li>
<li>Make convenient monthly payments or pay in full each month</li>
<li>Easy-to-read, itemized billing</li>
<li>View and manage account online</li>
<li>Additional cards for employees</li>
<li>Convenient purchase tracking options</li>
<li>No annual fees</li>
</ul>
For more information visit <a href="http://www.homedepot.ca/content/credit-centre" target="_blank" rel="noopener" data-link-source="tiny">The Home Depot Credit Centre</a>.
**Pro Xtra is The Home Depot&rsquo;s rewards program built specifically for Pros. Your business can enjoy even more rewards and benefits when you use your The Home Depot commercial card. Learn more and sign up today at homedepot.ca/proxtra.
<hr>
<h2>THE HOME DEPOT COMMERCIAL ACCOUNT</h2>
To login to your account <a href="https://www.retailservicescommercial.citi.com/USCRSF/CMLSVC/index.html?siteId=CANP_HOMEDEPOT&amp;cmp=W~B~Z~M~9~8~ZZZZ~BA~HC~ZZ#sec/signon" target="_blank" rel="noopener" data-link-source="tiny">click here.</a>
Contact 1-888-308-5080 TTY: We accept 711 or other Relay Service
If you want to keep track of your building costs, apply for the Home Depot&reg; Commercial Account. This card is ideal for medium-to-large businesses that pay their balance in full each month.
<ul>
<li>Ability to sign up to Pro Xtra and get more rewards and benefits**</li>
<li>365 Day In-Store Returns on your The Home Depot commercial card purchases. Refer to homedepot.ca/returns for terms and conditions.</li>
<li>Payment due in full each month^</li>
<li>Easy-to-read, itemized billing</li>
<li>View and manage account online</li>
<li>Cards for each Authorized Buyer</li>
<li>Convenient purchase tracking options</li>
<li>No annual fees</li>
</ul>
For more information visit&nbsp;<a href="http://www.homedepot.ca/content/credit-centre" target="_blank" rel="noopener" data-link-source="tiny">The Home Depot Credit Centre</a>.
^ This is a non-revolving account and must be paid in full each month.
**Pro Xtra is The Home Depot&rsquo;s rewards program built specifically for Pros. Your business can enjoy even more rewards and benefits when you use your The Home Depot commercial card. Learn more and sign up today at homedepot.ca/proxtra.
&copy; 2024 Home Depot International, Inc. All Rights Reserved. &reg; Registered trademark of Home Depot International, Inc. Used under license
<hr>
<h2>The Home Depot&reg; Consumer Credit Card</h2>
<a href="/rcs/citigpa/storage/public/Canada/72001QC-CONS-EN-Online-Disclosures-0424-1.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement &ndash; Quebec Customers (Account opening March 15, 2020 and onwards)</a> <a href="/rcs/citigpa/storage/public/Canada/CMA-72001C-QCENG-2.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Quebec Customers (Account opening up to March 14, 2020)</a> <a href="/rcs/citigpa/storage/public/Canada/CMA-72000C-ROCENG-0819-3.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Customers Outside of Quebec with Additional Cardholders opened prior to July 2015</a> <a href="/rcs/citigpa/storage/public/Canada/72000RC-CONS-EN-OnlineDisclosures-0424-4.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Customers Outside of Quebec - all others</a>
<h2>The Home Depot&reg; Commercial Revolving Card</h2>
<a href="/rcs/citigpa/storage/public/Canada/74001QCCRC-EN-OnlineDisclosures-0424-5.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Quebec Customers (Account opening March 15, 2020 and onwards)</a> <a href="/rcs/citigpa/storage/public/Canada/CMA-74001CCRCENG-6.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Quebec Customers (Account opening up to March 14, 2020)</a> <a href="/rcs/citigpa/storage/public/Canada/74000RCCRC-EN-Online-Disclosures-0424-7.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement - Customers Outside of Quebec</a>
<h2>The Home Depot&reg; Commercial Account</h2>
<a href="/rcs/citigpa/storage/public/Canada/74000RCPROX-EN-Online-Disclosures-0424-8.pdf" target="_blank" rel="noopener" data-link-source="tiny">Cardholder Agreement</a>

Citi Cards Canada

Citigroup Global Markets Canada Inc. (&ldquo;CGMCI&rdquo;) is a member of the <a href="https://www.ciro.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investment Regulatory Organization (CIRO)</a> and the <a href="/rcs/citigpa/storage/public/Canada/39649_Citigroup_EN_eBro_AODA.pdf" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investor Protection Fund (CIPF)</a>. CGMCI is registered as an Investment Dealer.
Should you require additional information about the way in which orders are handled, please refer to Citi&rsquo;s <a href="/rcs/citigpa/storage/public/Canada/Order-Handling-Execution-EN-AL-2024.pdf" target="_blank" rel="noopener" data-link-source="tiny">Order Handling Policy</a>.
For additional information regarding filing a complaint please read <a href="https://www.ciro.ca/office-investor/how-make-complaint" target="_blank" rel="noopener" data-link-source="tiny">Complaint and Inquiry Submission- Secure Form</a> published by <a href="https://www.ciro.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investment Regulatory Organization (CIRO)</a>.
NOTICE
Deposits with Citibank, N.A., Canadian branch are not insured by the Canada Deposit Insurance Corporation
<img src="/rcs/v1/media/citigpa/akpublic/storage/retrieveMediaFile/65fbf1b6ca93067fe39cbb74.png" alt="Web -PNG- Stacked for White Background.png"> &nbsp;
<img src="/rcs/citigpa/storage/public/Canada/CIPF_en.jpg" alt="Logo for CIPF" width="165" height="107">
&nbsp;

 Citigroup Global Markets Canada Inc.

In compliance with the Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations, Citibank Canada has designated the following offices for the service of enforcement notices in respect of the below noted provinces.
Alberta Citibank Canada Eighth Avenue Place 525 &ndash; 8th Avenue SW, Suite 4000 Calgary, Alberta T2P 1G1
British Columbia Citibank Canada 550 Burrard Street, Bentall 5, Suite 1228 Vancouver, BC V6C 2B5
Ontario Citibank Canada 123 Front Street West, Suite 1900 Toronto, Ontario M5J 2M3
Quebec Citibank Canada 1501 McGill College Avenue, 15th floor Montr&eacute;al (Qu&eacute;bec) H3A 3M8

Family Maintenance Support Orders and Support Provisions

Our goal is to maintain your trust and confidence when handling personal information about you.
You Have Choices: As a Citi&trade; Canada customer, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.
Security Of Personal Information: The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
The Citi Canada Privacy of Personal information Statement (the Privacy Statement) describes how we collect and use your information, how it may be shared and with whom, our security practices and your privacy choices. To view the Privacy Statement, click on the Privacy of Personal Information Statement PDF below.
If you have any questions, concerns or a complaint about privacy, confidentiality or the handling of personal information, please let us know. You may contact us by phone, mail or email as noted below. If forwarding written correspondence* please include your full name, address and telephone number.
Telephone: Please contact the office that you deal with or visit the Privacy Statement for a list of toll-free numbers for the various Citi Canada businesses.
Mail: Chief Privacy Officer, Citi Canada Quebec Data Protection Officer, Citi Canada 123 Front Street West, Suite 1600 Toronto, Ontario M5J 2M3 Phone: 1-888-245-1112; Toronto 416-947-4122 Email: <a href="mailto:canada.privacy.office@citi.com" target="_blank" rel="noopener" data-link-source="tiny">canada.privacy.office@citi.com</a>
If, after contacting us, you do not feel we have adequately addressed your concerns you may contact:
The Office of the Privacy Commissioner of Canada Toll-free Telephone: 1-800-282-1376 Mail: 30 Victoria Street, Gatineau, QC K1A 1H3 Fax: 819-994-5444 Visit: <a href="http://www.priv.gc.ca/en/report-a-concern" target="_blank" rel="noopener" data-link-source="tiny">www.priv.gc.ca/en/report-a-concern</a>
*Please be advised that any information sent via email is not considered secure and privacy cannot be ensured. Therefore, we ask that you not include any confidential information such as bank account numbers, credit card numbers, or other account details.
 <a href="/rcs/citigpa/storage/public/Canada/CitiCanada-Privacy-Personal-Info-Statement-May2024-ENG.pdf" aria-label="/rcs/citigpa/storage/public/Canada/CitiCanada-Privacy-Personal-Info-Statement-May2024-ENG.pdf" data-event-category="Link" data-event-action="Open" data-link-source="tiny"><img style="box-sizing: border-box; background-repeat: no-repeat; width: 26.36px; height: 28px; margin-right: 8px; vertical-align: bottom;" 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alt="/rcs/citigpa/storage/public/Canada/CitiCanada-Privacy-Personal-Info-Statement-May2024-ENG.pdf"></a> <a style="font-weight: 400; font-size: 20px; line-height: 26px;" href="/rcs/citigpa/storage/public/Canada/CitiCanada-Privacy-Personal-Info-Statement-May2024-ENG.pdf" target="_blank" rel="noopener" aria-label="/rcs/citigpa/storage/public/Canada/CitiCanada-Privacy-Personal-Info-Statement-May2024-ENG.pdf" data-event-category="Link" data-event-action="Open" data-link-source="tiny">Privacy of Personal Information Statement</a>&nbsp;

Privacy Statement

The Bank Act requires banks to inform customers and the public in plain language that certain conduct by its employees is illegal. To comply with the law, Citibank Canada and its wholly-owned subsidiaries and Citibank, N.A., hereafter referred to as "Citibank", have created this web page explaining the conduct that is prohibited and how to contact us if you have any questions, complaints or concerns.
<hr>
What Conduct is Prohibited? The Bank Act prohibits the bank engaging in certain conduct. It is against the law to:
<ul>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">impose undue pressure on a person, or coercing a person, for any purpose;</li>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">engage in coercive tied selling; or</li>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">take advantage of a person.</li>
</ul>
 What is Coercive Tied Selling? The Bank Act prohibits a bank from practicing coercive tied selling which involves a bank imposing undue pressure on or coercing a person to obtain a product or service from a particular person, including the bank and any of its affiliates, as a condition for obtaining another product or service from the bank. You cannot be unduly pressured to buy a product or service that you don't want, from a bank or one of its affiliates, to obtain another bank product or service.
Examples of Prohibited Conduct The following examples will help to explain prohibited conduct and what is not allowed.
<ul>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">A banking representative suggests you open a new credit card. You refuse and provide a reason for not needing or wanting it. The banking representative continues to insist that you get the credit card and tells you it would help meet their sales target. You relent and agree to the credit card.</li>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">Your bank's mortgage specialist tells you that you qualify for a home mortgage. However, you are also told that the bank will approve your mortgage only if you transfer your investments to the bank or its affiliates. You want the mortgage, but you do not want to move your investments.</li>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">Your bank's credit officer tells you that you qualify for a Registered Retirement Savings Plan (RRSP) loan. However, you are also told that the bank will approve the loan only if you use the money to buy the bank's mutual funds. You want the loan, but you want to invest the money somewhere else.</li>
</ul>
All of the above practices are against the law since a bank cannot pressure, coerce or take advantage of you. If you qualify for a product, a banking representative is not allowed to excessively pressure you to buy another unwanted product or service as a condition of obtaining the product you want.
What is NOT Prohibited Conduct? Most businesses, including Citibank, look for tangible ways to show their interest in your business and appreciation for your loyalty. Sales practices, such as preferential pricing and bundling of products and services, offer potential and existing customers better prices or more favourable terms. These practices should not be confused with prohibited conduct under the Bank Act. Many of these practices will be familiar to you in your dealings with other businesses.
What is Preferential Pricing? Preferential pricing means offering customers a better price or rate on all or part of their business. For example, a shoe store offers a second pair of shoes at half price.
Similarly, a bank may be able to offer you preferential pricing - a higher interest rate on investments or a lower interest rate on loans - if you use more of its products or services. The following two examples will help to explain preferential pricing in banks.
<ul>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">After approving your application for a home mortgage from the bank, your bank's mortgage specialist tells you that this mortgage would be available at a lower interest rate if you transferred your investments to the bank or its affiliates.</li>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">After approving your application for an RRSP loan, your bank's credit officer offers you a lower interest rate if you use the loan to buy the bank's mutual funds.</li>
</ul>
The above practices are acceptable. The approval of your mortgage and RRSP loan is not conditional on your taking another bank product or service. Rather you are offered preferential pricing to encourage you to give the bank more business.
What is Bundling of Products and Services? Products or services are often combined to give consumers better prices, incentives or more favourable terms. By linking or bundling their products or services, businesses are often able to offer them to you at a lower combined price than if you bought each product on its own. For example, a fast-food chain advertises a meal combination that includes a hamburger, fries and a drink. The overall price is lower than if you bought the three items separately.
Similarly, banks may offer you bundled financial services or products so that you can take advantage of package prices that are less than the sum of the individual items.
The following example will help to explain the bundling of bank products and services.
<ul>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">You plan to open a bank account that charges you for individual transactions. The banking representative offers you a package of services that includes a comparable bank account, a safety deposit box and a credit card with no annual fee. The total price for the package is less than if you purchased each part of the package separately.</li>
</ul>
Bundling products in this way is permitted because you have the choice of buying the items individually or in a package.
How do we Manage our Credit Risk? To ensure the safety of their depositors, creditors and shareholders, banks must carefully manage the risk on the loans and credit cards they approve. Therefore the law allows us to impose certain requirements on borrowers as a condition for granting a loan - but only to the extent necessary for us to manage our risk.
The following example will help to explain how banks manage such risk.
<ul>
<li style="font-family: Citi-Sans-Text-Regular; color: rgb(0, 0, 0);">You apply for an operating loan for your business. To manage the risk associated with the loan, your bank requires your business to have an operating account with the bank as a condition for obtaining the loan.</li>
</ul>
The above example is legal and appropriate. Having your business' operating account at the bank allows your bank to assess possible risks associated with your business' cash flow and manage the risk associated with the loan.
At Citibank, our requirements for borrowers will be reasonable and consistent with our level of risk.
What is Our Commitment to You? We expect all employees at Citibank to comply with the law and not to engage in any type of prohibited conduct, including coercive tied selling practices or conduct that imposes undue pressure, coerces or takes advantage of another person. We urge you to let us know if you believe that you have experienced any of these prohibited practices in any dealings with us.
How Can You Contact Us? Please let us know if you have any questions, complaints or concerns about your dealings with Citibank:
Chief Compliance Officer/Senior Complaints Officer Citibank Canada 123 Front Street West, Suite 1600 Toronto, Ontario M5J 2M3 Phone: 1-888-245-1112
You may also contact OBSI or the FCAC as noted below.
Ombudsman for Banking Services and Investments (OBSI) 20 Queen Street West, Suite 2400 P.O. Box 8 Toronto, Ontario, M5H 3R3 Phone: 1-888-451-4519 Email: <a href="mailto:ombudsman@obsi.ca" target="_blank" rel="noopener" data-link-source="tiny">ombudsman@obsi.ca</a>
Financial Consumer Agency of Canada (FCAC) The FCAC is responsible for ensuring that all financial institutions comply with federal consumer legislation and will investigate any complaint that relates to a possible breach.
You may contact the FCAC in writing at 427 Laurier Avenue West, 5th Floor, Ottawa ON, K1R 1B9; by calling 1-866-461-3222 (English); 1-866-461-2232 (En Francais) or through its website at <a href="http://www.fcac-acfc.gc.ca" target="_blank" rel="noopener" data-link-source="tiny">http://www.fcac-acfc.gc.ca</a>.

Prohibited Conduct

September 18, 2024
Citi's Canadian Dollar PRIME Lending Rate is 6.35% per annum.
Citi's US Dollar PRIME Lending Rate is 8.00% per annum. * Rates are subject to change without notice at any time. Bank of Canada Overnight Rate: <a href="https://www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/" target="_blank" rel="noopener" data-link-source="tiny">www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/</a>

Rates

If you have a complaint or problem, please use the information below to contact the business group where your concern arose.
Citibank Commercial Cards Citibank Canada, Citi Cards Canada Inc. PO Box 2053, Station B Toronto, ON M5J 2M3 Telephone: 1-888-834-2484
Treasury and Trade Solutions (Cash Management) Client Services Citibank N.A., Canadian branch, Citibank Canada 123 Front Street West, Suite 1800 Toronto, ON M5J 2M3 Telephone: 1-877-977-2484 or 416-947-4174 Option 4
Treasury and Trade Solutions (Spring by Citi) Client Services Citibank N.A., Canadian branch, Citibank Canada 123 Front Street West, Suite 1800 Toronto, ON M5J 2M3 Phone: +1 416 947 4177 Email:&nbsp;<a href="mailto:spring.support@citi.com" target="_blank" rel="noopener" data-link-source="tiny">spring.support@citi.com</a>
Private Banking Services Citi Private Bank, Citibank Canada and/or Citibank Canada Investment Funds Limited* 123 Front Street West, Suite 2000 Toronto, ON M5J 2M3 Telephone: 416-947-5300
* If you are a resident of Quebec, you may consider using the free mediation services offered by the Autorit&eacute; des march&eacute;s financiers.
Banking (Corporate Banking and Commercial Banking) Citibank N.A., Canadian branch 123 Front Street West, Suite 1900 Toronto, ON M5J 2M3 Telephone: 416-947-5500
Securities Services (Custody Services)**&nbsp; Citibank Canada 123 Front Street West, Suite 2000 Toronto, ON M5J 2M3 Telephone: 416-947-5325
** Securities Services provides securities settlement and safekeeping on the Canadian capital market for institutional clients.
Citigroup Global Markets Canada Inc.*** 123 Front Street West, Suite 1900 Toronto, ON M5J 2M3 Telephone: 416-947-5537
*** For additional information regarding filing a complaint with Citigroup Global Markets Canada Inc. please see <a href="https://www.ciro.ca/office-investor/how-make-complaint" target="_blank" rel="noopener" data-link-source="tiny">Complaint and Inquiry Submission- Secure</a> published by <a href="https://www.ciro.ca/" target="_blank" rel="noopener" data-link-source="tiny">Canadian Investment Regulatory Organization (CIRO)</a> &nbsp;
The Home Depot&reg; Consumer Credit Card**** Citi Cards Canada Inc. 5900 Hurontario Street Mississauga, ON L5R 0B8 Telephone: 1-800-747-3787, TTY: We accept 711 or other Relay Service
**** Please note this business group does not fall under the jurisdiction of the Citibank Canada Senior Complaints Officer&rsquo;s Office. If you have escalated your concern to all levels within the business group and are still not satisfied with the resolution, you may contact the Office of the President, Citi Cards Canada. This office is the highest level of escalation available within Citi Canada for this business group.
By mail: Office of the President Citi Cards Canada Inc. 5900 Hurontario Street Mississauga, ON L5R 0B8
Telephone: 866-670-7270 Fax: 866-671-5919
If your concern remains unresolved after talking to one of the Telephone Representatives or Supervisors, you may elevate your concern to a Manager. If a Manager is not immediately available, the Representative can assist you in leaving a message and/or requesting further contact. &nbsp;If you have escalated your concern to all levels within the business group and are still not satisfied with the resolution, you may contact the Citibank Canada Senior Complaints Officer. &nbsp;Please note: If your concern relates to The Home Depot credit card account, please contact the Office of the President for Citi Cards Canada as outlined above.
Citibank Canada Senior Complaints Officer By mail: Citibank Canada Senior Complaints Officer 123 Front Street West, Suite 1600 Toronto, ON M5J 2M3 Telephone: 1-888-245-1112; Toronto 416-947-4122 E-mail: <a href="mailto:citicanadaseniorcomplaintsofficer@citi.com" target="_blank" rel="noopener" data-link-source="tiny">citicanadaseniorcomplaintsofficer@citi.com</a>
If you are not satisfied with the Citibank Canada Senior Complaints Officer's resolution of your complaint, you may contact the Ombudsman for Banking Services and Investments ("OBSI"). You have 180 calendar days from the date of the Citibank Canada Senior Complaints Officer's review to bring your complaint to OBSI.
Ombudsman for Banking Services and Investments By mail: Ombudsman for Banking Services and Investments 20 Queen Street West, Suite 2400 P.O. Box 8 Toronto, Ontario M5H 3R3 Toll free telephone: 1-888-451-4519 Toll free fax: 1-888-422-2865 Toronto area telephone: 416-287-2877 Toronto area fax: 416-225-4722 E-mail: <a href="mailto:ombudsman@obsi.ca" target="_blank" rel="noopener" data-link-source="tiny">ombudsman@obsi.ca</a> Web site: <a href="https://www.obsi.ca" target="_blank" rel="noopener" data-link-source="tiny">www.obsi.ca</a>
For reasons of confidentiality and security, do not send confidential information such as account information or credit card number via email.
In the complaints handling process for Canadian financial institutions, including Citibank Canada and Citibank N.A., Canadian branch, the Financial Consumer Agency of Canada is responsible for ensuring that all financial institutions comply with federal consumer legislation and will investigate any complaint or concern that relates to a possible breach of that legislation.
You may contact the FCAC in writing at 427 Laurier Avenue West, 5th Floor, Ottawa ON, K1R 1B9; by calling 1-866-461-3222 (English); 1-866-461-2232 (En Francais) or through its website at <a href="https://www.canada.ca/en/financial-consumer-agency.html" target="_blank" rel="noopener" data-link-source="tiny">https://www.canada.ca/en/financial-consumer-agency.html</a>.
Complaints Received by the Citibank Canada Senior Complaints Officer&nbsp;
The Citibank Canada Senior Complaints Officer is the most senior Citibank Canada employee designated for the handling of escalated complaints. In 2023, the Senior Complaints Officer&rsquo;s office dealt with two (2) complaints for Citibank Canada. No complaints were received for Citibank, N.A., Canadian branch. The average length of time taken to deal with these 2 complaints was six (6) days. Both complaints were resolved to the satisfaction of the complainants. One complaint related to a closed Citibank Mastercard account that was still showing as open on the cardholder&rsquo;s credit bureau report. The other complaint related to the Treasury and Trade Solutions Commercial Cards product and involved a late fee that was charged because payment in full was received 28 days after the payment due date.
&nbsp;

Resolving a Complaint 

Canadians are living longer, which can bring health, mobility, or cognitive changes that may impact their ability to bank.
Citibank Canada has adopted the <a href="https://cba.ca/Assets/CBA/Documents/Files/Article%20Category/PDF/vol-seniors-en.pdf?ieNocache=729" target="_blank" rel="noopener" data-link-source="tiny">Code of Conduct for the Delivery of Banking Services to Seniors</a>.
Important resources for Seniors provided by Citi include:
Accessibility- please see Accessibility section above under Further Information.&nbsp; Power of Attorney and&nbsp;Joint Deposit Accounts - please refer to our <a href="/rcs/citigpa/storage/public/Canada/citi-canada-poa-joint-account.docx" target="_blank" rel="noopener" data-link-source="tiny">Power of Attorney and Joint Deposit Account Frequently Asked Questions (FAQ)&nbsp;</a> 
Other important resources for Seniors:
<a href="https://cba.ca/9-ways-to-prevent-fraud" target="_blank" rel="noopener" data-link-source="tiny">9 ways to prevent fraud</a>
<a href="https://cba.ca/about-your-money-seniors" target="_blank" rel="noopener" data-link-source="tiny">About your money - Seniors</a>
<a href="https://www.antifraudcentre-centreantifraude.ca/index-eng.htm" target="_blank" rel="noopener" data-link-source="tiny">Canadian Anti-Fraud Centre - Recent scams and fraud</a>
<a href="https://www.justice.gc.ca/eng/rp-pr/cj-jp/fv-vf/eldfr-ainfr/eldfr-ainfr.html" target="_blank" rel="noopener" data-link-source="tiny">Elder Abuse - Financial Fraud by Strangers</a>
<a href="https://cba.ca/financial-abuse-what-you-need-to-know-and-where-to-get-help?l=en-us" target="_blank" rel="noopener" data-link-source="tiny">Financial Abuse - What you need to know and where to get help</a>
<a href="https://cba.ca/managing-debt" target="_blank" rel="noopener" data-link-source="tiny">Managing debt</a>
<a href="https://cba.ca/powers-of-attorney-bank-requirements" target="_blank" rel="noopener" data-link-source="tiny">Powers of Attorney Bank Requirements</a>
<a href="https://cba.ca/top-forms-of-financial-abuse" target="_blank" rel="noopener" data-link-source="tiny">Top forms of financial abuse</a>
<a href="https://www.canada.ca/en/employment-social-development/corporate/seniors/forum/fraud-scams.html" target="_blank" rel="noopener" data-link-source="tiny">What every older Canadian should know about: Fraud and scams</a>
Annual Report &ndash; Steps taken by Citibank Canada to support the principles set out in the Code of Conduct for the Delivery of Banking Services to Seniors:
<a href="/rcs/citigpa/storage/public/Canada/2023-Senior-Code-Report-English.pdf" target="_blank" rel="noopener" data-link-source="tiny">2023</a> <a href="/rcs/citigpa/storage/public/Canada/2022-AR-english.pdf" target="_blank" rel="noopener" data-link-source="tiny">2022</a> <a href="/rcs/citigpa/storage/public/Canada/2021-AR-english.pdf" target="_blank" rel="noopener" data-link-source="tiny">2021</a> <a href="/rcs/citigpa/storage/public/Canada/2020-AR-english.pdf" target="_blank" rel="noopener" data-link-source="tiny">2020</a>
&nbsp;

Resources for Seniors

The banking industry has developed and is committed to several voluntary codes designed to protect consumers.
<a href="https://cba.ca/Assets/CBA/Documents/Files/Article%20Category/PDF/vol-seniors-en.pdf?ieNocache=964" target="_blank" rel="noopener" data-link-source="tiny">Code of Conduct for the Delivery of Banking Services to Seniors</a> A code of conduct that sets out principles that apply to banks to guide them when they deliver banking products and services to Canada&rsquo;s seniors
<a href="https://cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Code of Conduct for the Credit and Debit Card Industry in Canada</a> Code of conduct that sets principles for business practices related to the issuance and acceptance of payment cards and operation of payment card networks.
<a href="https://www.cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Online Payments</a> Consumer and industry responsibilities related to the use of online payments systems in Canada.
<a href="https://www.cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Principles of Consumer Protection for Electronic Commerce: A Canadian Framework</a> A guide to protecting customers in online transactions, developed with input from industry, government and consumer groups.
<a href="https://www.cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Plain Language Mortgage Documents - Canadian Bankers Association Commitment</a> A commitment by Canada's banks to improve readability of residential mortgage documents.
<a href="https://cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Commitment on Modification or Replacement of Existing Products or Services</a> Banks provide consumers with assurances related to the modification or replacement of existing products and services.
<a href="https://cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Commitment to Provide Information on Mortgage Security</a> Banks that offer residential mortgages agree to provide consumers shopping for a mortgage loan with certain comparative information about collateral charge and conventional charge mortgages to help consumers choose the mortgage product that best suits their needs.
<a href="https://cba.ca/voluntary-commitments-and-codes-of-conduct" target="_blank" rel="noopener" data-link-source="tiny">Commitment on Powers of Attorney and Joint Deposit Accounts</a> Banks that accept Powers of Attorney from or open joint deposit accounts for clients agree to provide clients with certain information to help clients understand the implications of using them.
<a href="/rcs/citigpa/storage/public/Canada/Citi-Canada-POA-Joint-Account.pdf" target="_blank" rel="noopener" data-link-source="tiny">Power of Attorney and Joint Deposit Account&nbsp;FAQs</a>
For more details on these Voluntary Codes of Conduct and Public Commitments, please contact the Citi office that you deal with.
The Financial Consumer Agency of Canada (FCAC) oversees adherence to these Voluntary Codes of Conduct and Public Commitments. You may contact the FCAC as noted below.
Mailing Address: Financial Consumer Agency of Canada 427 Laurier Ave. W., 5th floor Ottawa ON, K1R 1B9 Phone: 1-866-461-3222 (English) 1-866-461-2232 (En Francais) Website: <a href="https://www.canada.ca/en/financial-consumer-agency.html" target="_blank" rel="noopener" data-link-source="tiny">https://www.canada.ca/en/financial-consumer-agency.html</a>

Voluntary Codes of Conduct and Public Commitments

<h2>Contact Us</h2>
HEAD OFFICE Citibank Canada Citigroup Place 123 Front Street West, Suite 1900 Toronto, Ontario M5J 2M3
Major Intersection: Citigroup place is located on the south west (SW) corner of Front and York streets, just west of Union Station.
Call: 416-947-5500
INSTITUTIONAL BUSINESSES: Banking, Capital Markets and Advisory: 416-947-5500 Markets and Securities Services: 416-947-5500 Citi Treasury and Trade Solutions: 416-947-5500 Citi Private Bank: 416-947-5300
CITIBANK COMMERCIAL CARDS Customer Care:
In North America, call toll-free 1-888-834-2484 or fax 416-369-4878, 24 hours a day, seven days a week.
Outside North America, call collect 416-369-6399 or fax 416-369-4878, 24 hours a day, seven days a week.
Within Toronto area, call 416-369-6399 or fax 416-369-4878, 24 hours a day, seven days a week.
Mail to: CITIBANK CANADA PO BOX 2053 STN B Mississauga ON L4Y 0B6
CONSUMER BUSINESS: Citi Cards Canada Inc.
5900 Hurontario Street Mississauga, Ontario L5R 0B8
Home Depot Consumer Card 1-800-747-3787 (English or French) TTY: We accept 711 or other Relay Service Home Depot Commercial Revolving Card 1-800-668-5336 (English or French) TTY: We accept 711 or other Relay Service Home Depot Commercial Account 1-888-308-5080 (English or French) TTY: We accept 711 or other Relay Service Retail Private Label 1-800-233-8557 TTY: We accept 711 or other Relay Service
<hr>
<h2>Unclaimed Property</h2>
Please use above contact us information to learn more about unclaimed property.

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Banking

Banking listens, collaborates and problem solves, working tirelessly on behalf of our corporate, financial institution, public sector and sponsor clients to deliver a range of strategic corporate finance and advisory solutions that meet their needs, no matter how complex.

金融市場

我們為客戶提供世界級解決方案和領先業界的全球網絡，在全球近80個國家為企業、機構投資人及政府單位提供交易服務。

Markets

Markets provides world-class solutions and an unmatched global presence. We serve corporates, institutional investors and governments from trading floors in almost 80 countries.

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Services is key operational partner for clients, helping them grow and become more efficient. From global integrated cash management, working capital and trade finance solutions for corporations, FIs and public sector entities to custody, fund administration, middle office, securities lending and Issuer Services to FIs, investors and issuers.

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Global Wealth Management brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices.

花旗商業金融在全球

我們協助營收在一千萬美元以上之企業解決在快速成長及國際擴張過程中所面臨的挑戰，處理既有或避免衍生新的財務問題，驅動企業加速成長。

Commercial Bank

We help mid-sized companies with revenues starting from $10MM USD address the challenges of rapid growth and international expansion by rationalizing complicated legacy setups or allowing clients to avoid them altogether, so that they can scale faster and grow larger.

Our treasury services help optimize the needs of our clients on a global scale. Treasury and Trade Solutions provides global solutions that can help clients drive their business forward while investing in innovation to bring new solutions to life.

貿易解決方案

我們以環球視野提供客戶資金管理產品與服務，跨越國界的解決方案協助客戶在追求業務成長之際也能投資創新的未來。

Treasury and Trade Solutions

U.S. Personal Banking

U.S. Personal Banking includes branded cards, retail services, and retail banking, and serves our home market, which has the largest consumer wallet in the world.

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Citi's Banking, Capital Markets and Advisory division provides comprehensive relationship coverage and a full suite of products and services in an effort to be the best possible financial partner to its institutional clients.

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我們運用領先業界的全球網絡為客戶提供全球各市場之深度在地專業及可規模化之解決方案，以支持客戶達成業務發展目標。

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Securities Services supports our clients’  business by drawing on the strength of our unmatched global footprint, which provides them with access to local expertise and scalable solutions to support their ambitions.

花旗商業金融在台灣

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